The Merchant Profile page contains information about a specific merchant boarded through your Partner account, including the merchant account’s balance details, payment activity, and editable account details.
To access the Merchant Profile page:
Access Merchants in the Management category in the left navigation panel.
Click the merchant’s name in the table located in the Merchants page to open the Merchant Profile page.
Merchant Profile Features
Click here to view the features of the Merchant Profile page.
Merchant Information Banner
The Merchant Information Banner contains information about the merchant, including the merchant’s name, category code, address, and boarding information. The merchant Account Balance, Next Withdrawal date, and Risk Score are also displayed in the Information Banner. The Information Banner supports the following actions:
Access the Merchant Dashboard View by clicking on the DOOR ICON below the merchant’s name.
View the Merchant Balance Details by clicking the in the Account Balance icon.
Merchant Transaction History Graph
The graph located below the Merchant Information Banner displays the merchant’s recent transaction history, including payments and refunds. Click the black triangle at the top left corner of the graph to toggle the view between the last 7 days and the last 30 days.
The Merchant Transaction History Graph supports the following actions:
Access the Merchant Payment History by clicking VIEW TRANSACTIONS.
Access the Merchant Transaction Risk by clicking TRANSACTION RISK.
Access information about Merchant Underwriting by clicking UNDERWRITING.
Accounts Overview Panel
The lower half of the Merchant Profile page contains the Accounts Overview Panel, which includes tabs on the left side of the panel. The tabs contain editable details about the merchant profile, banking information, and other account details. The following sections of this page cover descriptions of the contents of each of the tabs.
Business Tab
The Business tab contains information about businesses associated with the merchant account. It is divided into a Business Details section and an Account Details section. Click either BUSINESS or ACCOUNT at the top of the panel to view each section.
The Business section contains the following editable fields:
Legal Business Name: The legal business name of the merchant.
IRS Filing Name: The name control established by the IRS and associated with the merchant EIN.
Statement Descriptor: The business name that appears on customer credit card statements.
Preview: The business name that appears on a customer’s bank statement or other documentation of a transaction.
EIN Type: The type of EIN — TIN, SSN, or Other/Unknown.
EIN: The Employer Identification Number assigned by the IRS.
TIN Validation Status: Tax Identification Number validation status — Approved, Pending, or Denied.
Business Type: The type of business associated with the merchant — Sole Proprietor, Corp, LLC, Partner, Nonprofit, or Gov.
Public Company: Identifies whether the company is publicly listed, Yes or No.
Custom Description: A description entered by the merchant or Referrer.
Secondary Payout Descriptor: To customize the descriptor on a Merchant Disbursement, Payrix Pro Partners can add a Secondary Statement Descriptor on the entity or a payout schedule. This will help merchants differentiate disbursements from the Payrix Pro platform. See Secondary Descriptors for details.
Industry: The type of industry related to the merchant’s business activity.
Percent B2B Sales: The percentage of transactions that occur due to business-to-business sales.
Percent EComm Transactions: The percentage of transactions that occur due to Internet commerce.
Percent Keyed Transactions: The percentage of transactions that occur when the credit card information is manually keyed at the terminal or point of sale.
Website: The business’s website.
Email: The business’s email address.
Advanced Billing Indicator: Indicates whether the merchant accepts pre-purchase for products that are shipped at a later date or not currently available — None, Yes, or No.
NDX Shipping Days: The number of days to ship/deliver the product.
Seasonal Status: Indicates if the merchant is seasonal or operates year-round — Yes or No.
Location Type: Description of the type of address where the business operates — Retail Storefront, Warehouse, Private Residence, Other or Res-Prof/Construction.
New: Indicates whether this merchant is new to processing Credit Cards — Yes or No.
Annual Processing Volume: The total amount of sales processed in the previous year.
Average Transaction Amount: The average credit card sale amount in the previous year.
AMEX Volume: The sales volume involving transactions with AMEX cards for the merchant location.
Total Volume: The expected total volume for all credit card and ACH payments that the merchant will process for the current year.
Address: The street address portion of the merchant’s mailing address.
Address 2: The suite number or other information associated with the merchant address.
City: The city portion of the merchant’s mailing address.
State: The state portion of the merchant’s mailing address.
Zip: The zip code portion of the merchant’s mailing address.
Country: The country portion of the merchant’s mailing address.
Time Zone: The time zone at the location of the merchant’s mailing address.
Phone: The merchant’s phone number.
Customer Service Phone: The phone number used to reach the business' customer service department.
Fax: The merchant’s fax number.
The Account section contains the following editable fields:
Merchant ID: The Payrix Pro platform-generated ID of the merchant.
Entity ID: The Payrix Pro platform-generated ID of the entity.
Login ID: The Payrix Pro platform-generated ID used by the merchant to log in to the portal.
Login Name: The name associated with the merchant account.
Division ID: The Payrix Pro platform-generated ID of the merchant’s division.
Division Name: The name of the Referrer’s portfolio.
Fund ID: The Payrix Pro platform-generated ID of payouts received from the merchant.
Boarded: The date that the merchant was boarded to the portal.
Created: The date that the merchant profile was created.
Platform: The payment processing platform linked to the merchant’s account details.
Boarding Status: The boarding status of the merchant — Successfully Boarded, Pending, or Denied.
Status: The status of the merchant — Active or Inactive.
AMEX: The merchant account’s AMEX credit card number.
Discover: The merchant account’s Discover credit card number.
Merchant Category Code: The four-digit numerical code that describes a merchant's primary business activities.
Merchant Type: The primary means by which the merchant accepts payments — Merchant accepts cards in person primarily, Customers enter their payment information online primarily, the Merchant is a fuel, petrol, or gas station; the Merchant takes payment information over the phone or mail primarily, the Merchant is a restaurant, Service Station, or the Merchant is a supermarket.
Express Batch Close Method: The methods by which the batch is closed — Time-Initiated or Merchant-Initiated
T&C Version: The Payrix Pro platform Terms and Conditions version.
T&C Date Accepted: The date on which the merchant accepted the Payrix Pro platform Terms and Conditions.
T&C Time Accepted: The time at which the merchant accepted the Payrix Pro platform Terms and Conditions.
T&C IP Accepted: The IP address of user that accepted the Payrix Pro platform Terms and Conditions.
Annual Sales: The dollar amount of annual sales for the merchant’s account.
Average Ticket: The average of all transaction amounts across a single merchant.
SAQ Type: A PCI Self-Assessment Questionnaire (PCI SAQ) is a merchant's statement of PCI compliance. This field marks the type of SAQ type completed by the merchant.
Last SAQ Completion Date: The date that the SAQ was completed.
QSA: The name of the Qualified Security Assessor that validated the SAQ for the merchant.
VISA Disclosure: Did the user accept the Visa Regulation Disclosure? — Yes or No.
T&C Attestation: Did the merchant provide an attestation that the information they have provided is correct and accurate to the best of their knowledge? — Yes or No.
Member Bank Disclosure IP: The IP address of the user that accepted the Member Bank Disclosure.
Member Bank Disclosure Date: The date that the user accepted the Member Bank Disclosure.
Establish: The date when the merchant’s business was established.
Apple Pay Active: The active status of Apple Pay for the merchant — Yes or No.
Apple Pay Status: The status of Apple Pay for the merchant.
Google Pay Active: The active status of Google Pay for the merchant — Yes or No.
Business Tab Actions
The Business tab contains information that can be edited by the Referrer.
To edit information:
Click the EDIT icon at the top right corner of the Business tab, in either the Business section or the Account section.
Edit the information in the form.
Save the edited information by clicking the CHECKMARK at the top right corner of the page, or cancel and revert to the previous information by clicking the X.
More information about Business form descriptions can be found in Signup Form Definitions.
Owners Tab
The Owners tab contains information about the owner(s) of the merchant account and allows you to add new owners, add authentication steps, or create or add to watch lists.
The Owners tab contains the following editable fields for the Primary Owner:
ID: The Payrix Pro platform-generated ID of the primary owner’s account.
First Name: The primary owner’s first name.
Middle Name: The primary owner’s middle name.
Last Name: The primary owner’s last name.
Date of Birth: The primary owner’s date of birth.
SSN: The primary owner’s social security number.
Business Title: The primary owner’s business title.
Ownership %: The percentage of the business owned by the primary owner.
Drivers License: The primary owner’s driver’s license number.
Drivers License State: The state that issued the primary owner’s driver’s license.
Address: The street address portion of the primary owner’s mailing address.
Address 2: The suite number or other information associated with the primary owner's address.
City: The city portion of the primary owner’s mailing address.
State: The state portion of the primary owner’s mailing address.
Zip: The zip code portion of the primary owner’s mailing address.
Country: The country portion of the primary owner’s mailing address.
Citizenship: The primary owner’s citizenship.
Timezone: The time zone at the primary owner’s mailing address.
Phone: The primary owner’s phone number.
Fax: The primary owner’s fax number.
Email: The primary owner’s email address.
Significant Responsibility: Check the Significant Responsibility box if the owner has significant responsibility for managing the merchant and/or entering company contracts with the Payrix Pro platform. This includes executive officers or senior managers like CEO, CFO, COO, Managing Member, General Partner, President, VP, or Treasurer.
Politically Exposed Person: A politically exposed person (PEP) is a person with a prominent public position such as an elected government position. Due to their position, they are considered financially risky because they may be more susceptible to bribery, corruption, or other illegal activities.
Owners Tab Actions
The Owners tab supports editing information and adding an owner.
To edit information:
Click the EDIT icon at the top right corner of the Business tab, in either the Business section or the Account section.
Edit the information in the form.
Save the edited information by clicking the CHECKMARK at the top right corner of the page, or cancel and revert to the previous information by clicking the X.
To add an owner:
Click ADD OWNER to open the Add Owner dialog on the page.
Enter the information for the new owner into the required fields.
Save the new owner information by clicking ADD at the bottom of the dialog.
The merchant owner scores are displayed at the bottom of the owner’s tab. The owner scores are a group of risk metrics calculated when a business owner is onboarded and undergoes Payrix Pro risk assessments. The following merchant owner scores are available in the Owners tab:
Advanced Owner Authentication
Ownership Authentication
Owner Authentication
OFAC Watchlist
Custom Watchlist
Banking Tab
The Banking tab contains information about bank accounts associated with the merchant and allows you to edit account information or add a new bank account.
The bank accounts associated with the merchant are listed in a table on the Banking tab, which contains the following fields:
Name: The name of the bank account as described by the Referrer or merchant.
Primary Bank Account: Indicates whether the account is the primary account associated with the merchant.
Routing Number: The routing number of the bank account.
Account Number: The account number.
Plaid: Indicates whether Plaid is connected to the account.
Banking Tab Actions
The Banking tab supports editing a bank account and adding a new account.
To edit a saved bank account:
Click EDIT ACCOUNT on the right side of the table row associated with a specific account, and the Edit Account dialog will open on the page.
Relink the account by clicking RELINK ACCOUNT or click EDIT ACCOUNT MANUALLY to reenter account information.
Click NEXT to verify the account information, then SAVE.
To add a new account:
Click ADD NEW ACCOUNT to open the Add Account dialog on the page.
Relink the account by clicking RELINK ACCOUNT or click EDIT ACCOUNT MANUALLY to reenter account information.
Click NEXT to verify the account information, then SAVE.
Reserves Tab
The Reserves tab contains information about reserve funds associated with the merchant. The top of the tab contains the Reserves banner, which shows the total dollar amount of reserves for the merchant, transactions, and the total amount of reserves.
Scheduled Reserves
The Scheduled Reserves panel displays a table with information about funds that are held and released on a set schedule. The Scheduled Reserves table contains the following fields:
Name: The name of the reserve fund, given by the Referrer or merchant.
Percent: The percent of the balance to reserve.
Release Every: The schedule for the reserve release.
Finish Date: The date of the last reserve release.
Status: The status of the reserve.
Created By: The entity who created the reserve.
To schedule a new reserve:
Click SCHEDULE RESERVE in the upper right corner of the Scheduled Reserves panel to open the Reserves dialog on the page.
Enter the reserve information into the fields in the dialog.
Add the new reserve to the merchant profile account by clicking ADD.
Merchant Risks Panel
The Merchant Risks panel displays a table with information about funds currently in reserve due to merchant risk. The Merchant Risk table contains the following fields:
Created By: The entity who created the reserve.
Amount: The dollar amount in the reserve.
Actions: The actions available for the funds in the reserve.
To add a new reserve fund to the Merchant Risk Reserve:
Click RESERVE in the upper right corner of the Merchant Risk Reserves panel to open the Reserve dialog on the page.
Enter the reserve information into the fields in the dialog.
Add the new reserve to the merchant profile account by clicking ADD.
Transactions In-Reserve Panel
The Transactions In Reserve panel displays a list of transactions held in reserve due to Transaction Risk.
Hold Reserves
The Hold Reserves section displays the total dollar amount of funds held in reserve.
To manage the hold reserves:
Click MANAGE HOLD RESERVES to open the Risk Management page.
Follow the instructions on the page to move select funds to reserve.
Fees and Pricing Tab
The Fees and Pricing tab contains a table of fees associated with the merchant account. The table contains the following fields in the default setting:
Name: The name of the fee, given by the Referrer or merchant.
Amount: The dollar amount of the fee.
Type: The type of fee selected by the Referrer.
Repeat Every: How often the fee is charged to the merchant account?
Start: The date that the fee was implemented.
Owner: The user that oversees the fee implementation.
Pricing Banner
The Pricing banner indicates the pricing structure the Merchant is enrolled in for processing costs. Either Interchange Plus or Flat Rate:
Interchange Plus: Interchange Plus is the actual interchange fee set by Card Networks and charged to the merchant, plus a transparent markup fee.
Flat Rate: A flat rate is a fixed percentage and set dollar amount fee for every transaction, regardless of the card used. Businesses do not pay interchange fees directly in a Flat Rate structure.
Fees Tab Actions
The Fees tab supports adding a new fee, removing a fee, and viewing more information.
To add a new fee to the merchant profile:
Click ADD FEES in the upper right corner of the Fees tab to open the Add Fees dialog on the page.
Enter the information into the fields in the dialog.
Add the new fee to the merchant profile account by clicking ADD.
To remove a fee from the merchant profile, click the TRASH CAN icon on the right side of the row of the table.
To view more information about the fee:
View the Payrix Pro platform-generated ID number associated with a specific fee by clicking the grey triangle on the right side of the row of the table.
Access the Fees page by clicking any information in the row.
Groups Tab
The Groups tab displays any groups associated with the merchant.
To assign a merchant to an existing group:
Select the PLUS icon and choose a group from the dropdown menu.
Click the CHECKMARK icon to confirm the selected group.
Once the merchant is assigned to a group, a table displaying associated fees will appear in the Group tab.
To remove a merchant from a group:
Click the grey X in the top right corner of the panel displaying the group name. The Delete Merchant dialog will appear on the page.
Confirm that you are removing the merchant from the group by clicking REMOVE in the dialog.
More information about creating and managing your groups can be found in the Groups section of the Management category.
Terminals Tab
The Terminals tab displays a table listing terminals associated with the merchant and allows you to add a new terminal. The table contains the following information:
ID: The Payrix Pro platform-generated ID of the terminal.
Name: The name of the terminal as designated by the merchant or Referrer.
Auto Close: Indicates whether the terminal is set to auto-batch close. When Auto-Close is selected, the batch close is automatically engaged at a preset time each day.
Type: The type of terminal: Authorize.net PAX Terminals, DEJAVOO, NMI, Cybersource Core 610, Verifone UIC Var - Freedom Pay, Datacap E-Pay, REPRO.
Status: The status of the terminal. Choose Active or Inactive.
Terminals Tab Actions
To access more information about a specific terminal, click any information in the table row to open the Terminal page.
To add a new terminal:
Click ADD TERMINAL to open the Add Terminal dialog on the page.
Enter the terminal information in the dialog fields.
Save the new terminal by clicking ADD TERMINAL.
To remove a terminal from the merchant profile:
Click the TRASHCAN icon in the row of a specific terminal. The Delete dialog will open on the page.
Confirm removing the terminal by clicking YES in the dialog, or cancel by clicking NO.
Terminal Transactions Tab
The Terminal Transactions tab displays a table of recent terminal transactions by the merchant. The terminal transactions table contains the following information in the default view:
Amount: The dollar amount of the terminal transaction.
Status: The status of the transaction. Choose Approved, Pending, or Failed.
Cardholder: The name of the cardholder whose credit card is involved in the transaction.
Payment: The payment method or contactless option used for the transaction.
Created: The date that the terminal transaction was created.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.
Terminal Transactions Action
Access additional details about a specific terminal transaction by clicking any information in the table row to open the Terminal Transactions page for the merchant transaction.
Profit Sharing Tab
The Profit Sharing tab displays a table of profit shares associated with the merchant and allows you to add new profit shares to the merchant's profile. The Profit Sharing table contains the following information:
ID: The Payrix Pro platform-generated ID of the profit share.
Created: The date and time that the profit share was created.
Name: The name of the profit share, generated by the Referrer.
Type: The type of profit share: Income, Expense, or Both.
Amount: The amount of the profit share, displayed as a percentage.
Profit Sharing Actions
The Profit Sharing tab supports the following actions: add a new profit share and remove a profit share.
To add a new profit share:
Click ADD PROFIT SHARE to open the Profit Share dialog on the page.
Enter the required information in the dialog fields.
To add the profit share to the merchant profile, click ADD PROFIT SHARE.
To remove a profit share from the merchant profile:
Click the three purple dots on the right side of the row of the specific profit share to open the Delete dialog.
Remove the profit share by clicking DELETE in the dialog, or cancel by clicking outside the dialog on the Merchant Profile page.
Plans Tab
The Plans tab displays a table of subscription payment plans associated with the merchant, and allows you to add a new plan to the merchant profile. The plans table contains the following information in the default view:
Name: The name of the subscription plan.
Schedule: The payment schedule for the subscription plan.
Amount: The dollar amount of each scheduled payment.
Status: The status of the subscription: Active or Inactive.
Subscriptions: The number of customer with subscriptions under the plan.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.
Plans Actions
The Plans tab supports the following actions: access plan details and add a new payment plan.
To access the Plan Details page, click any information in a row of the Plans table.
To add a new payment plan:
Click ADD PLAN to open a dialog on the page.
Enter the required information in the dialog fields.
To add the plan to the merchant profile, click ADD PLAN.
Withdrawals Tab
The Withdrawals tab contains two sections, the list of scheduled withdrawals and the withdrawal history for the merchant account. The tab also allows you to add a new scheduled withdrawal to the merchant profile.
The scheduled withdrawal section is located in the top of the panel and displays a table of scheduled withdrawals. The table contains the following information in the default view:
Name: The name of the scheduled withdrawal.
Frequency: How often the withdrawal occurs.
Amount Type: The type of withdrawal amount: Actual, Percentage, or Surcharge.
Amount: The amount of the withdrawal.
Float: The dollar amount that will be withheld from the Referrer's payout.
Account: The account number linked to the withdrawal payment.
Delete: Click the purple dots to open the Delete dialog to delete a withdrawal from the merchant's profile.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.
Withdrawal Schedule Actions
To add a withdrawal schedule to the merchant account:
Click ADD WITHDRAWAL SCHEDULES at the top right corner of the panel to open the Add Withdrawal Schedules dialog on the page.
Enter the required information in the dialog fields.
To add the withdrawal schedule to the merchant profile, click CREATE WITHDRAWAL.
To access more information about a specific withdrawal, click any information in a row to open the Withdrawal Schedule.
The Withdrawal History section is displayed at the bottom of the Withdrawals tab, and displays a table that contains the following information in the default view:
ID: The Payrix Pro platform-generated ID of the specific withdrawal.
Date Created: The date and time that the withdrawal transaction occurred.
Account: The last four digits of the account linked to the withdrawal payment.
Status: The status of the withdrawal: Requested, Pending, Approved, Denied.
Amount: The dollar amount of the transaction of the withdrawal.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.
Withdrawal History Action
Access additional details about a specific withdrawal by clicking any information in the table row to open the Withdrawal Details.
Costs Tab
The Costs tab displays information related to any platform or payment facilitation fees associated with the merchant’s transactions. The Costs table contains the following information:
Amount: The amount of the cost or fee, displayed as a negative dollar amount.
Description: A description of the fee.
From: The name of the payment facilitator.
Type: The dollar amount of the cost or fee shown as a positive increment.
Schedule: The schedule of when the cost is incurred. The cost may be a one-time payment scheduled, such as those that occur during onboarding, or it may be a recurring payment option fee.
Disputes Tab
The Disputes tab displays a table with information on any disputes associated with the merchant. The Disputes table contains the following information:
Name: The name of the customer associated with the disputed transaction.
TXN ID: The Payrix Pro platform-generated transaction ID.
Amount: The dollar amount of the transaction.
Account: The account associated with the disputed transaction.
Created: The date that the dispute was created.
Return Code: The reason for the disputed payment.
Disputes Table Actions
Access the Dispute Details for a specific dispute by clicking on any information in the table.
Platform IDs Tab
The Platform IDs tab contains information about any payment platforms used by the merchant. There are four platform types displayed on the tab: Vantiv and VCore.
The Vantiv Platform IDs section contains the following information:
MID: The alphanumeric ID of the specific merchant.
Legal Entity ID: The ID number of the merchant business.
Sub-Merchant ID: The ID number indicating that the merchant was boarded under another merchant.
Funding ID: The ID number of the transaction in which funds are deposited to an account.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.
The VCore Platform IDs section contains the following information:
MID: The alphanumeric ID of the specific merchant.
Funding ID: The ID number of the transaction in which funds are deposited to an account.
Store ID: The ID number of the storefront where the payment platform is used.
Chain ID: The ID number of the chain of stores where the payment platform is used.
Create: The date that the platform ID was added to the portal.
Express Sub-Account: Indicates whether the platform is associated with a VCore Express Sub-Account.
Account Token: The tokenized ID of the payment platform.
Account ID: The ID number of the bank account connected to the payment platform.
Acceptor ID: The ID number of the location from which a money transfer originates.
Default Terminal ID: The ID number assigned by default to the platform terminal.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.
The Wells Fargo Platform IDs section contains the following information:
MID: The alphanumeric ID of the specific merchant.
AMEX Charge ID: The ID number associated with AMEX transactions.
Frontend ID: The ID number associated with the terminal where the merchant requests a transaction authorization and where all configuration and settings are set for the payments process.
Store ID: The ID number of the storefront where the payment platform is used.
Chain ID: The ID number of the chain of stores where the payment platform is used.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.
The First Data Platform IDs section contains the following information:
MID: The alphanumeric ID of the specific merchant.
Chain ID: The ID number of the chain of stores where the payment platform is used.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.
Notes Tab
The Notes tab displays Merchant and Transaction Notes associated with the Merchant Profile. You can add or edit notes found in the tables on this tab.
Merchants Notes
To access the Merchant Notes section by clicking on MERCHANTS NOTES in the top left corner of the tab. The Merchants Notes table contains the following information:
Created: The date and time that the note was added to the portal.
Created By: The entity that created the note.
Type: The type of note: Note, Risk, Approved Risk, Pending Risk, Cancelled Risk, Denied Risk, Closed Risk, Investigation Risk, Pending Data, Risk Funds, Released Risk, or Activity Approved.
Public: Indicates whether the note is public.
Source: The source of the note.
Note: The contents of the note.
Merchant Notes Action
To add a new note to the Merchants section:
Click ADD NOTE in the top right corner of the tab to open the Add Note dialog on the page.
Select the type of note from the dropdown menu and enter the note contents into the Note field.
(Optional): To make the note public, click MAKE NOTE PUBLIC.
To add the note to the table, click ADD.
Caution
Once a note is deleted from the portal, its contents will be permanently deleted.
Transaction Notes
To access the Transaction Notes section by clicking on TRANSACTION NOTES in the top left corner of the tab. The Transaction Notes table contains the following information:
Created: The date and time that the note was added to the portal.
Created By: The entity that created the note.
Type: The type of note: Note, Risk, Approved Risk, Pending Risk, Cancelled Risk, Denied Risk, Closed Risk, Investigation Risk, Pending Data, Risk Funds, Released Risk, or Activity Approved.
Public: Indicates whether the note is public.
Source: The source of the note.
Payment: The type of payment associated with the transaction.
TXN Amount: The dollar amount of the transaction.
Note: The contents of the note.
Documents Tab
The documents tab contains downloadable documents associated with the merchant profile, and allows you to upload new documents. The Documents table contains the following information:
Type: The type of document: General, Personal ID, Company ID, Voided Check, Bank Statement, Bank Letter, Contract.
Name: The name of the document.
Note: A note that describes the document.
Status: The execution status of the document: Processed, Pending, or Failed.
Documents Actions
Click the three dots in the right side of the table row to open a dropdown menu with the following options:
Download: Download a copy of the file containing the document.
Edit: Edit information associated with the document.
Remove: Remove the document from the portal. See below for more information.
Copy ID: Copy information associated with the document.
To remove a document from the Documents table:
Click the three dots on the right side of the table row to open a dropdown menu on the page.
Click REMOVE in the dropdown menu.
To delete the document, click CONFIRM.
Caution
Once a document is removed from the portal, its contents will be permanently deleted.
Billing Schedules Tab
The Billing Schedules tab contains information about subscription payments associated with the merchant profile and allows you to add new billing schedules to the profile. The Billing Schedules table displays the following information:
Schedule: The billing schedule for the subscription payment.
Interval: The frequency of the billing schedule.
Start: The start date of the billing schedule.
Finish: The end date of the subscription.
Collection Factor: How often the payment is collected: Daily, Weekly, Monthly, and Annually.
Collection Offset: A set interval of time in which bill collection may be delayed or initiated early.
Currency: The type of currency used by the billing schedule transaction.
Description: A description of the billing schedule entered by the Referrer or the Merchant.
Billing Schedules Action
Add a new billing schedule:
Click ADD BILLING SCHEDULE to open the Add Billing Schedule dialog on the page.
Enter the information in the dialog fields.
To save the new billing schedule, click ADD.
Setup Details Tab
The Setup Details tab contains details of the merchant’s parameters as dictated by the Referrer. The parameters are divided into six sections, located at the top of the Setup Details tab.
General
The General section of the Setup Details tab displays information related to the merchant’s abilities in the portal, including the following information:
Account Verification Disabled: Indicates whether the account verification feature is enabled.
Setup Details Enabled: Indicates whether setup parameters are visible by the merchant.
Decision Micro-Service Enabled: Indicates whether a micro-service process for decisions is enabled for the merchant.
Transaction Decisions Micro-service Enabled: Indicates whether a micro-service process for transactions is enabled for the merchant.
Boarding
The Boarding section of the Setup Details tab contains information related to the merchant’s boarding capabilities, including the following information:
Opt Blue Enabled: Indicates whether boarded merchants should be acquired for Amex processing through the OptBlue Program.
Discover Acquired Enabled: Indicates whether boarded merchants should be acquired for Discover processing through the Discover Acquired Program.
Verify for Boarding Not Required: Requires bank account verification before a merchant is boarded.
Auto Reboard Days: The number of days after the merchant's onboarding request is submitted to attempt reboarding if the account went through a manual review on the processor's end. This will resubmit the boarding request to attempt to board a merchant that has not yet boarded. The default setting is 60.
Whether to Disable Merchant Boarding to Processors: Allows you to disable merchant boarding to processors.
Minimum Boarding Ownership: The minimum percentage of ownership required for merchant onboarding over all members.
Boarding Exemptions Disabled: Indicates whether certain API requirements to submit requests without all the required fields are disabled.
Transaction Limits
The Transaction Limits section of the Setup Details tab contains information related to the merchant’s transaction limits, including the following information:
Maximum Total Transaction: The dollar amount of the maximum total amount for a single transaction to be processed through the merchant.
Maximum Daily Transaction Total: The dollar amount of the maximum total volume that the merchant can process per day.
Maximum Daily Transaction Number: The maximum number of transactions that the merchant can process per day.
Maximum Monthly Total: The dollar amount of the maximum total volume that the merchant can process per month.
Maximum Monthly Transaction Number: The maximum number of transactions that the merchant can process per month.
Maximum Subscription Failures: The maximum number of attempts allowed on a subscription payment.
Amex Enabled: Allows the merchant to accept AMEX payments.
Discover Enabled: Allows the merchant to accept Discover payments.
eCheck Enabled: Allows the merchant to process eChecks.
Auto Tax Exempt Enabled: Indicates whether a transaction is assumed to be tax exempt if no tax is set for level II processing.
Google Pay Exempt Enabled: Allows the merchant to accept Google Pay payments.
Apple Pay Exempt Enabled: Allows the merchant to accept Apple Pay payments.
Minimum Total Transaction: The minimum total dollar amount required for a single transaction to be processed.
Payouts
The Payouts section of the Setup Details tab contains information related to the merchant’s payout limits, including the following information:
Maximum Payout Credit Total: The maximum credit allowed to the merchant for payout, shown as a dollar amount.
Minimum Payout Debit Total: Minimum debit allowed to the merchant for payout, shown as a dollar amount.
Funding Enabled: Allows the boarded merchant to make withdrawals.
Vendor Fees External: Allows the merchant to disburse vendor fees through an external facilitator operating account.
Verify For Payout Not Required: Indicates whether account verification is required before merchant is allowed to make withdrawals.
Include ACH Holidays and Weekends In Payout Delay: Indicates whether to include ACH holidays and weekends in payout delay.
Payout Include Pending: Allows the merchant to withdraw a payout if pending funds cover the negative balance.
Minimum Debit Processing Delay: The minimum number of business days before a debit is processed and made available for funding. The default setting is 5.
MC Instant Payouts Enabled: Indicates whether instant payouts (Push To Card) for Mastercard transactions are enabled.
VISA Instant Payouts Enabled: Indicates whether instant payouts (Push To Card) for VISA transactions are enabled.
Same Day Payouts Enabled: Indicates whether same day payouts enabled.
MC Instant Payout Max: The maximum amount disbursed for instant payout (Push To Card) for Mastercard transactions, shown as a dollar amount.
VISA Instant Payout Maximum: The maximum amount disbursed for instant payout (Push To Card) for VISA transactions, shown as a dollar amount.
Maximum Same Day Payout Credit Total: The maximum amount of credit transactions allowed for same day payout, shown as a dollar amount.
Minimum Same Day Payout Debit Total: The minimum amount of debit transactions required to create a same day payout, shown as a dollar amount.
Same Day Payouts Daily Max: The maximum dollar amount allowed daily for same day payouts.
Minimum Payout Credit Total: The minimum credit dollar amount allowed for payout.
Maximum Payout Debit Total: The maximum debit dollar amount allowed for payout.
Minimum Available Funds: The minimum available dollar amount of funds an entity must have. If the entity is below this threshold credit payouts won't be processed and a debit will be processed to bring the entity's funds up to this threshold amount.
Minimum Payout Delay: The minimum number of days the payout will be delayed from date of request until it is processed.
Minimum Statement Debit Payout Delay: A delay that is set on the payout related to a statement. Set to 0 if it should operate the same as credit payouts.
Minimum Funds Payout Total: The minimum total debit allowed for payout, shown as a dollar amount.
Minimum First Payout Delay: The number of days the first payout will be delayed from date of request until it is processed.
Min eCheck Capture Delay: The number of days to delay funds processing for an eCheck sale. The default setting is 1.
MC Instant Payout Min: The minimum dollar amount required for instant payout (Push To Card) for MasterCard transactions.
VISA Instant Payout Minimum: Minimum amount required for instant payout (Push To Card) for VISA transactions.
Minimum Same Day Payout Credit Total: The minimum dollar amount of credit transactions required to create a same day payout.
Maximum Same Day Payout Debit Total: The maximum dollar amount of debit transactions allowed for same day payout.
Minimum Debited Available Funds: Defines the threshold to which the entity's available funds will be returned. This event is triggered when an automated Debit disbursement is requested, due to the Minimum Available Funds falling below the defined setting.
Extra
The Extra section of the Setup Details tab contains the following additional information about the merchant profile:
Vendor Fees Enabled: Allows vendors to create and assess fees on merchants.
Refund Releases Reserve: A refund processed for a reserved transaction will automatically release that reserve.
Account Updater Enabled: Indicates whether payments will be checked for updates. Payments will be checked and updated if enabled.
Update all tokens enabled: When enabled, this parameter will send all tokens. When NOT enabled, this will only send subscription tokens (tokens associated with recurring billing schedules).
Account Updater Frequency: The frequency to check for payment updates.
Visa Misuse Settlement: The number of days before an auth misuse fee should be charged on a VISA transaction that has not settled. The default setting is 10.
Visa Misuse Travel Auto Settlement: The number of days before an auth misuse fee should be charged on a VISA transaction that has not settled. Applies only to merchants with a Travel & Entertainment merchant category code (MCC).
Visa Misuse Card Present Reversal: The number of hours before an auth misuse fee should be charged on a card-present VISA transaction that was not reversed within the timeframe. The default setting is 24.
Visa Misuse Card Not Present Reversal: The number of hours before an Auth Misuse fee should be charged on a card-not-present VISA transaction that was not reversed within the timeframe. The default setting is 24.
MasterCard Misuse Settlement: The number of hours before an Auth Misuse fee should be charged on a card-not-present Mastercard that wasn't reversed within the timeframe. The default setting is 168.
MasterCard Misuse Card Present Reversal: The number of hours before an Auth Misuse fee should be charged on a card-present Mastercard transaction that wasn't reversed within the timeframe. The default setting is 24.
MasterCard Misuse Card Not Present Reversal: The number of hours before an Auth Misuse fee should be charged on a card-not-present Mastercard transaction that wasn't reversed within the timeframe. The default setting is 72.
MasterCard Misuse Travel Auto Reversal: The number of hours before an Auth Misuse fee should be charged on a Mastercard transaction that wasn't reversed within the timeframe. Applies only to merchants with a Travel & Entertainment merchant category code (MCC). The default setting is 480.
Advanced
The Advanced section of the Setup Details tab contains the following additional information about the merchant profile:
surchargeEnabled: This field confirms with VAP/Vcore that the sub-merchant can send surcharging with their transaction. See the Worldpay Developer Engine guide about surcharging.
payoutCutoffTime: The time before which payout must occur in order to receive funds that day.
debtRepaymentEnabled: Related to cash advances or other funding mechanisms available to the merchant.
declineNotificationEmail: Indicates the email message settings for declined payouts.
holdMessagesDisabled: Indicates the portal message settings for declined payouts.
omniTokenEnabled: Indicates whether Omni Token-related transactions are enabled for the merchant.
passTokenEnabled: Indicates whether Pass Token-related transactions are enabled for the merchant.
Funding Parameters Tab
The Funding Parameters tab contains details of the merchant’s funding parameters as dictated by the Referrer, and allows you to add new parameters to the merchant profile. Each established funding parameter is displayed in a table, which includes the following information:
Name: The name of the funding parameter.
Created: The date that the funding parameter was created.
Type: The type of funding parameter: Delay, Off Day Additional Delay, Custom Batch Close Time, Settlement Account Transfer Delay, Settlement Account Transfer Enabled, Settlement Account Transfer Float, Settlement Account Transfer Maximum, Settlement Account Transfer Minimum, and Settlement Account Transfer Percent.
Value: The funding parameter value as a dollar amount.
Funding Parameter Action
To add a new funding parameter:
Click ADD FUNDING PARAMETER to open the Add Funding Parameter dialog on the page.
Enter information about the new funding parameter in the dialog fields.
Save the new funding parameter by clicking ADD.
Payment Updates Tab
The Payment Updates tab contains information about updated payment methods associated with customers that have made transactions through the merchant’s account. The updated payments are displayed in a table which contains the following information in the default view:
Customer: The name of the customer.
Order Number: The order number for any orders that were placed using the payment method.
Token: The cryptographically generated token representing the payment method.
Last 4: The last four digits of the credit card.
Expiration: The expiration date of the credit card.
Updated Date: The date that the payment was updated.
Status: The status of the payment: Active or Inactive.
Last Payment Made: The date and time that the last payment was made using the updated payment method.
Payment Updates Action
You can download a complete list of information contained in the Payment Updates table by clicking either .CSV or .XLS in the upper right corner of the page.
Customize Your Merchant Table View
You can customize your view using the options found at the top of the table. View the Table Search and Sort Instructions for instructions on customizing, sorting, or searching tables.
Expand the sections below to view a complete list of the data that you can display on each customizable table on the Merchant Profile page:
Click here to view the list of Fees tab customizations.
Fee Data
ID
Date Created
Created by
Date Modified
Modified By
For Entity ID
Schedule Factor
End
Description
Collection
Collection Factor
Collection Offset
Currency
Status
Entity Data
Entity ID
Login ID
Parameters ID
Type
Address
City
State
Zip
Country
Phone
Fax
Email
Website
EIN
Currency
Status
Custom
Click here to view the list of Terminal Transactions tab customizations.
Terminal TXN Data
Terminal TXN ID
Currency
Date Created
Created by
Date Modified
Modified By
Type
Description
Order Number
Tax Amount Status
Approved
Card Referrer
Entity Data
Custom Entity ID
Login ID
Parameters ID
Type
Name
Address
City
State
Zip
Country
Phone
Fax
Email
Website
EIN
Currency
Status
Customer Data
Company
Zip
First Name
Last Name
Address
City
State
Country
Phone
Email
Merchant Data
Merchant ID
DBA - Statement Descriptor
MCC
Date Created
Created by
Date Modified
Modified By
Date Boarded
Last Transaction Date
Date Established
Status
Click here to view the list of Plans tab customizations.
Plan Data
Name
Schedule
Amount
Status
ID
Date Created
Description
Created by
Date Modified
Modified By
Merchant ID
Click here to view the list of Payment Updates Tab customizations.
Payment Update Data
Token
Last 4
Expiration
Status
ID
Date Created
Created by
Modified By
Payment Update
Group Payment
Account Message
Customer Data
Phone
Email
ID
Created
Created by
Date Modified
Modified By
Login
First Name
Last Name
Company
City
State
Zip
Country
Related Pages:
Click the links in the Merchant Profile to access any of the following pages: